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AccountNow Gold Visa Prepaid Card (Metabank)

 

 
Overview
 

Average Monthly Fees and Costs:
$19.40

Apply Now

 
Product Details:
  • Perfect for Direct Deposit Tax Refund - Get your Tax Refund Fast without a traditional bank account.
  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
 
Activation Fee: $0.00
 
Monthly Fee: $9.95
 
Card Limit: N/A
 
PIN Transaction Fee: $0.00
 
Signature Transaction Fee: $0.00
 
ATM Withdrawal Fee: $2.50
 
ATM Balance Inquiry Fee: $1.50
 
ATM Out of Network Withdrawal Fee: $2.50
 
ATM Out of Network Balance Inquiry Fee: $1.50
 
ATM Withdrawal Limit: $500.00
 
Bill Payment Fee: $0.00
 
Bill Payment Limit: N/A
 
Bank Teller Cash Fee: $3.00
 
Bill Pay Expedited Service Fee: $9.95
 
Inactivity/Maintenance Fee: N/A
 
Cash Load Fee (* asterisk indicates third party fees): $3.95 *$4.95
 
Wire Fee: N/A
 
ACH Debit Fee: $2.50
 
Card Purchases (SIgnature) Daily Limit: $3,000
 
Card Purchases (PIN) Daily Limit: $3,000
 
Send Money Limit: $3,000
 
Terms and Conditions from Issuers: https://gold.accountnow.com/company/terms_conditions.aspx
 
Card Reviews: ,
 
Card Features
 
 
 
 
 


 
Initial Fees
 
 
 
 
 


 
Average Monthly Fees
 
 
 
 
 


 
Bill Pay Fees / Features
 
 
 
 
 


 
Loading Fees / Options
 
 
 
 
 


 
Total Score
 
 
 
 
 


User Rating
5 total ratings

 

Things We Like


This card is issued by the Bancorp Bank and is FDIC-insured. It comes with Visa purchase protections; the brand’s wide acceptance is also a plus. You can also add an authorized user, though you’ll pay an additional $10 for a second card on the account.

Things We Dislike


There is a $1 card decline fee or balance inquiry fee (though checking the balance online is free), and the monthly fee is on the high side. Fees for loading, plus fees imposed by ATM owners for withdrawals can make a big dent in your account balance. (Granted, not all these fees are charged by AccountNow, but users will have to pay them if they reload the cards or use most ATMs).


0
Posted October 27, 2015 by

 
Full Article
 
 

AccountNow offers several prepaid cards, and its AccountNow Gold Visa Prepaid Card (Metabank), like the others, does not require a credit check, has no minimum balance and no overdraft fees (you cannot spend more than you have loaded on your card with this prepaid debit card or any other). This card does offer a $15 direct-deposit bonus for two consecutive months of loading at least $500 on the card via direct-deposit. (The monthly fees for those two months exceed the bonus.) Mobile banking, text alerts and bill-pay services are available without an additional fee.

The card works to appeal a bit to vanity, touting the “privileges” of gold. As with all prepaid debit cards, building good credit is not among them. Government benefit payments and tax refunds may be loaded directly onto the cards, which are FDIC-insured. Cards may be reloaded at GreenDot, MoneyGram, Western Union or Visa ReadyLink locations, typically for a fee of $3.95 or more. (It’s a good idea to check prices at reload locations near you; they vary).

This card offers the advantages of most prepaid debit cards (electronic billpay, guaranteed acceptance, free direct-deposit) but with few extras to make its fees worthwhile. Most people will be able to find similar services for less money.

Setup fee: none listed

ATM transaction fee: $2.50 per withdrawal, or $1 for ATM balance inquiry or decline (plus any fees imposed by the ATM owner)

Monthly maintenance fee: $9.95

 

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Summary

Curtis Arnold

 


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